I got a validation letter from A S & Associates

Tweety, the fact that they say so is not a validation. Send them the letter found on this website that asks all the pertinent questions. I am assuming that he is a third party collector. Is national money store one of those storefront loan companies or an online PDL? Did they send you a copy of anything that you signed? Go online and print out your bank statement showing what you have paid. Send this proof to him and state wht the law is in your state. Be sure to block out any personal info that you don't want a stranger seeing. Do this only after he has responded to ALL of your validation requests. Pretend he is Sylvester!

This is an online PDL.......They did not send me anything that I signed......Which letter do I use ( cant find the right one with the questions)

The validation letter should cover the following points mentioned in the fdcpa.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

The information in the letter doesn't seem to be complete if it's only saying the amount owed. Write a dispute letter with the link to the FDCPA. Send the letter through certified mail with return receipt requested.

GRRRRRR......Now this man is calling my place of employment....what should I do?

That's not a validation letter (though they'll want you to believe it is). That's nothing more than verifying that they have a debt with your name on it and your fax number. Follow through with the suggested letter of validation. I would also include the fact that they might already have committed violations of the fdcpa by suggesting you'd committed fraud. If they are debiting your bank account, close it and open a new one -- at a different bank.

Tweety-if you tell them not to call you at work anymore then they legally cannot do so. If they keep calling you there when you have asked them not to I think that is a violation of the law-maybe the FDCPA-I'm not sure.

Calling you at work or at home after you have informed them in writing is a viloation of the fdcpa. Get that letter out.

Why do I have to keep logging in? That last post was me. When I hit submit I find out I am not logged in anymore.

OK- correct me if I'm wrong but, shouldnt the VD letter have on there the payments I have made towards the loan? Do they count the rollovers and fee's I've paid towards it?

Yes, your payment history and rollovers should be included. Somewhere on this site there is DV letter that refers to a particular court case where it was determined that this is required. I need it for my letters also but have not been able to find it. Can anyone help Tweety and myself find this letter? And can it be put into the DIY file?

Thanks frogpatch........I'm also looking for a PIF letter or template?

You are welcome. Did you look in the do it yourself section on the side of this thread under "other services?" It is on my top left but might be to your right. There are all kinds of letters there Tweety.